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Industry Analysis Banking

Indian Banking Industry and PMJDY.

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Industry Analysis Banking

  1. 1. ISME PGDM 2015-2017
  2. 2. Banking Structure of IBI Top 10 Banks in India Top 10 International Banks Deposits and Priority Sector SWOT Analysis. Modern Banking Facilities Challenges for IBI Conclusion
  3. 3. Source- fiuindia.gov.in/relatedacts-bankingregu.htm  Section 5(b) Banking Regulation Act 1949  “Accepting for purpose of lending, investing, deposits from public  Repayable on demand  Can be withdrawn  cheque, draft, order”  World’s 1st Bank  Taula de la Ciutat  Barcelona, 1401  Oldest still existing Bank Monte dei Paschi di Siena  HQ Siena, Italy since 1472  Fabrizio Viola (CEO),  Alessandro Profumo (Chairman)
  4. 4.  Originated in the last decade of the 18th century.  The General Bank Of India (Established 1786 but failed in 1791),  Hindustan Bank (Established in 1770 and Liquidated in 1829-32). Largest bank  Oldest existing  State Bank of India  Initially  Bank of Calcutta, June 1806.  1809  renamed  the Bank of Bengal  Funded by Presidency Government  Other two  the Bank of Bombay and the Bank of Madras  The three merged, 1921  the Imperial Bank of India,  India's Independence  the State Bank of India, 1955 Source- www.wikipedia.org  Formation of RBI in 1934  Nationalized January,1949 RBI Act,1934.
  5. 5. Nationalization: Except SBI every other bank was functioning independently. In 1969, 14 banks got nationalized. 6 more banks got nationalized in 1980.  Post liberalization era: Initially 10% FDI allowed, at present 74% with some restriction. Conversion from 4-6-4 model to 8 to 8 banking(present).  Adaptation of technology:  Internet banking  Electronic fund transfer  Automatic teller machines.  Core banking solutions. Source- www.wikipedia.org
  6. 6. RBI SCHEDULED (146) COMMERCIAL PUBLIC (26) PRIVATE (20) FOREIGN (43) RRB (57) COOPERATIVE (92,114) URBAN RURAL UNSCHEDULED (5)
  7. 7. PUBLIC SECTOR BANKS • State Bank of India(SBI) • Punjab National Bank • Bank of Baroda • Canara Bank • Bank of India PRIVATE SECTOR BANKS • HDFC Bank • ICICI Bank • Axis Bank • Federal Bank • IDBI Bank • Deutsche Bank, Germany • Mitsubishi UFJ Bank, Japan • Industrial & Commercial Bank of China • HSBC Holdings, UK • Barclays PLC, UK • BNP Paribas, France • Japan Post Bank • J. P. Morgan Chase & Co. USA • Credit Agricole SA, France • Royal Bank of Scotland Group(RBS) Source- www.thetoplist.in Source- www.thetoptenz.net
  8. 8. TOP FIVE COMPETITIVE BANKS PUBLIC • SBI • Bank of Baroda • PNB • Canara Bank • Bank of India PRIVATE • HDFC Bank • ICICI Bank • Axis Bank • Kotak Mahindra • IndusInd Bank FOREIGN • Citi Bank • Standard Chartered • HSBC • DBS Bank • Deutsche Bank
  9. 9. 52% 22% 19% 7% THE INDIAN BANKING INDUSTRY Nationalised SBI & Associates Private Foreign Source:- www.rbi.org.in
  10. 10. DEPOSITS 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 30% 31% 32% 33% 34% 35% 36% 37% 0 10000 20000 30000 40000 50000 60000 70000 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 PUBLIC SECTOR BANKS Term Deposits Saving Deposits Current Deposits Cost of Funds (Rs. Billion) 28% 30% 32% 34% 36% 38% 40% 0 2000 4000 6000 8000 10000 12000 14000 16000 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 PRIVATE SECTOR BANKS Term Deposits Saving Deposits Current Deposits Cost of Funds (Rs. Billion) 36% 38% 40% 42% 44% 46% 48% 0 500 1000 1500 2000 2500 3000 3500 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 FOREIGN SECTOR BANKS Term Deposits Saving Deposits Current Deposits Cost of Funds (Rs. Billion)
  11. 11. PRIORITY SECTOR LENDING • Specific Sectors Like Agriculture Or Small Scale Industries 0 200000 400000 600000 800000 1000000 1200000 1400000 1600000 1800000 2000000 2009 2010 2011 2012 2013 Foreign Private public sector
  12. 12.  POS Machines Online/Net Banking Mobile Banking Credit & Debit Cards ATM
  13. 13. OVERVIEW Important industry- Indian Economy 90%- total financial services sector Service oriented- 24 Hrs. banking solution 10% Contribution to the GDP By 2017- CAGR of 18.1% Potential to become- 5th largest in the world Consists of :26 public sector, 20 private sector, 43 foreign, 57 regional rural & 92,114 credit cooperatives
  14. 14. REASONS TO INVEST IN INDIA India’s Banking Sector Is Constantly Growing Amended Banking Laws Bill Robust Demand Innovation In Services Business Fundamentals Policy Support

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  • shreyanshkejriwal

    Sep. 29, 2015

Indian Banking Industry and PMJDY.

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